Given the growth and innovation of payment service technology that continues to develop, the Indonesian Fintech Association (AFTECH) has agreed to draft a Code of Ethics for Payment Initiation and Acquiring Service Activity Providers and Other Payment Transaction Facilitators (Code of Ethics) to avoid irresponsible practices by companies or entities that provide payment services, provide protection for consumers and related parties, and fill the legal gap. In determining the Code of Ethics, AFTECH has conducted a dialogue with Bank Indonesia (BI) and the Financial Services Authority (OJK), as regulators, as well as related stakeholders.